Hurricane Debby was a stark reminder that recovering from a storm poses challenges for policyholders. In the aftermath of Debby or any disaster, Citizens is here to assist you in the recovery process for your covered claims.

We understand the stress and urgency following a disaster but rushing into unsafe situations can lead to injuries or worse. Take precautions to keep you and your family safe, follow guidelines from local authorities, and don't hesitate to seek professional help for tasks that may put you at risk.

With safety as your top priority, you can prepare to file your claim and start the recovery process. Citizens is ready to guide you through each stage.

1. Report your claim immediately:
   • Call Citizens' 24/7 Claims Hotline at 866.411.2742.
   • You can file your claim through myPolicy, Citizens’ online self-service tool. Register for myPolicy. 
2. Document thoroughly: 
   • Take photos and videos of all the damage before cleanup.
   • Keep all receipts for emergency repairs and temporary lodging.
3. Understand your policy: 
   • Review your policy or contact your agent for clarification on coverage.
   • Be aware of your hurricane deductible, which is typically higher than standard deductibles.
4. Emergency repairs: 
   • Make temporary repairs to prevent further damage to covered property (only if it’s safe to do so).
   • Keep receipts for all emergency repairs.
5. Adjuster inspection: 
   • An adjuster will be assigned to assess the damage.
   • Prepare a list of damaged items and be present during the inspection.
6. Temporary living expenses: 
   • If your home is uninhabitable, keep records of all additional living expenses.
   • These may be reimbursable depending on your policy.
7. Contractor selection: 
   • Visit the Florida Department of Business and Professional Regulation and choose licensed and insured contractors.
8. Understand the claims process: 
   • Be aware of the 90-day deadline for submitting proof of loss.
   • Know your rights under Florida's Homeowner Claims Bill of Rights.
9. Dispute resolution: 
   • If you disagree with the settlement offer, you can use the Department of Financial Services’ mediation program. 
   • You can also contact the Florida Department of Financial Services for assistance.
10. Mitigation and future preparedness: 
    • Consider Citizens' wind mitigation credits for home improvements.
    • Update your home inventory for future claims.

Together, we will navigate the claims process and get you back on your feet.